33 Best Crypto Cards in Hong Kong 2026

What to Know Before Using Crypto Cards in Hong Kong

Tax

No Capital Gains Tax

Hong Kong does not tax capital gains, meaning most individuals spending crypto held as a long-term investment owe zero tax on the price increase.

Tax

Trading Activity Is Taxable

If you trade crypto frequently or with a business-like intent, your profits may be subject to Profits Tax at rates up to 15% or 16.5%.

Restriction

Zero Foreign Exchange Controls

Hong Kong allows the free movement of capital with no limits on converting or sending money abroad, making it ideal for international crypto cards.

Banking

FPS for Instant Loading

The Faster Payment System (FPS) allows for 24/7 instant HKD transfers between local banks and supported crypto platforms or e-wallets.

Regulation

New Stablecoin Licensing Rules

As of August 2025, stablecoin issuers must be licensed by the HKMA, which may limit which stablecoins are easily accessible for local spending.

Heads Up

Platform Self-Exclusion Risk

Due to strict local licensing laws, some major global exchanges (like Bybit) proactively block Hong Kong residents from using their services.

Common Questions About Crypto Cards in Hong Kong

1 Do I have to pay tax when I buy coffee with crypto in Hong Kong?

Usually, no. Because Hong Kong doesn't have a capital gains tax, spending crypto you bought as a personal investment is generally tax-free. However, if you are a professional trader using your trading stock to fund the card, those gains might be viewed as business income and taxed accordingly.

2 Can I link my Hong Kong bank account to a crypto card?

Yes, you can move money via the Faster Payment System (FPS) or standard bank transfers. While the government has encouraged banks to work with crypto firms, some banks still perform heavy checks on transfers to and from exchanges, so be prepared to explain where your funds came from.

3 Are there any limits on how much crypto I can spend?

There are no specific government-mandated limits on crypto spending or foreign exchange. Any limits you encounter will be set by the card provider itself or by your bank's internal risk policies rather than Hong Kong law.

4 Why did my crypto exchange stop working in Hong Kong?

Hong Kong introduced a strict licensing regime for crypto platforms in 2023 and 2024. Many exchanges chose to stop serving Hong Kong users rather than apply for a local license, so you must ensure your card provider is legally allowed to operate in the city.

5 Will I be asked for proof of funds when using a crypto card?

Yes, it is very likely. Hong Kong has a very strict 'Know Your Customer' culture. If you move large amounts of money or have frequent high-value transactions, both your bank and the card issuer will likely ask for documents proving how you earned your crypto.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Hong Kong

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Exa Card

4⭐

Exa Card is a virtual Visa credit card enabling users to spend crypto without selling assets. It offers self-custody, onchain borrowing, and flexible payment modes.

COCA Card

3.9⭐

COCA Card is a prepaid Mastercard offering high crypto cashback rewards and global spending flexibility. Issued via Wirex on the Mastercard network, it supports multiple stablecoins and requires pre-loading with funds converted to EUR.